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vipulashta

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How is percentage of ontime payment calculated
My percentage currently is 99.4%, it went down from 100 last month, which has reduced by score by almost 60. Credit karma says
"Your payment history rating would improve to Excellent with 1 more months of on-time payments" I only have 7 open account and currently I am ontime for 155 out of 156 payment. How can it go to excellent (which i believe is more than 99.5%) in 1 month?

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Top Contributor
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It's a game of numbers...

But don't worry about if,  Keep making on time payments and it will bounce back, Usually in a couple of months, if nothing else changes to much.

Good luck

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